I_got_mine_so, "he already has amassed a bill of $15,000....which will mean another $30,000 that he will be responsible for." I don't see where ANY other citizen should be responsible for helping your father foot the bill. I can't help but wonder how much your fathers vehicle cost when he purchased it. The average price of a new car sold in the United States is $28,400 If an American can afford to spend that sort of money on a vehicle----then they can afford to PAY THEIR OWN health insurance and deductibles. As for those denied coverage due to pre-existing conditions....it would be like having a car accident and then calling around to get retro-active coverage. ---PREPARE AHEAD people.